Health care costing small business
By COLIN KYLER ckyler@timesobserver.comHealth care costs for small businesses are on the rise, and some local business owners are feeling the pinch.
A report on HealthReform.gov states premiums for employer-based health insurance have more than doubled since 2000.
Warren-based Inscale Architects President Donna Zariczny said her company has been told it is normal to see an increase in healthcare costs.
"The economy has played a part in the increases this past year," she said.
On average, Zariczny said the company's healthcare costs have risen 9 percent last year and 12 percent this year.
Zariczny said the company's insurance carrier informed the company that on average, most employers are seeing 15 percent increases.
"We have heard of employers seeing up to 30 percent increases," she said.
The company did not have anyone on its plan hospitalized and no catastrophic incident has happened to warrant the increase, Zariczny said.
While the company looked at options to lower the cost of the premium by reducing the benefits to the employee, Zariczny said the company did not feel it would be good for employee retention.
"We value our employees and wanted to keep the benefit intact," she said.
Clarendon's Allegheny Tool Mold & Manufacturing, Inc. President Mark Hazeltine said it seems every year health care costs go up.
Vice President Tim Hazeltine said healthcare costs have gone up "quite a bit" over previous years.
Hazeltine said the company requires employees to pay $10 per week for single coverage and $15 per week for family coverage.
Hazeltine said the company wanted one of the benefits of working there to be that be health care coverage.
However, Hazeltine said that is getting harder and harder to do.
"And sometimes you feel like your employees don't appreciate what we are doing for them besides giving them a job," he said.
Action Radon Testing, LLC Owner Ellen Butkus said while she is the only person in her company and gets insurance through her husband, she does think the healthcare system is broken.
Butkus said she is in favor of the public option and thinks everyone could benefit from having health insurance.
"The system is costing us as taxpayers a lot of money for emergency benefits," she said.
Sheffield's Duhring Resource Company Owner Arthur Stewart said his company renewed its health policy a little under a year ago.
The company would have suffered an increase of around 15 percent, Stewart said, but the company's insurance agent was able to move coverage to another carrier and the company enjoyed a small decrease in premium.
However, Stewart said, over the past decade the trend has been a steady increase.
Warren's Craco Industrial Cryogenics Owner Craig Ames said while he is the only worker at the company, he has seen increases due to his age since reaching 55.
The costs are high compared to working for someone else, Ames said.
Warren's Bollinger Enterprises Executive Director Bob Klebacha said during his more than 29 years in the position he has seen two years with rate reductions, one year where rates held steady and 26 years in which rates increased.
Increase percentages have ranged from a low of 3 percent, Klebacha said, to a high of 62 percent about eight to 10 years ago.
"From my standpoint, it is not a matter of 'if' rates will increase," he said. "It is a matter of 'how much' they will increase.
Warren's Fresh Cup Coffee Owner Janet Spencer said healthcare is not offered at her business.
"Management couldn't afford to pay for it and employees don't make enough to cover healthcare," she said.
However, Spencer said mostly young people work there and are usually covered with their parents' insurance.
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danyay
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11-18-09 8:21 AM
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"Selling across state lines is only a half-measure. Why not implement the complete fix?" Why did you pick out one of my four ideas and call it a half-measure? "A single-payer system will allow the payer the authority to set health care costs." We should also set the cost of bread and milk as well, so everyone can afford it. That worked so well in Russia and now in Venezuela. Those who don't understand history are doomed to repeat it.
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muskie
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11-17-09 7:44 PM
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Thank you danyay,that was the best and most thoughtful comment you've made. Not just ranting and raving.
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danyay
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11-17-09 1:32 PM
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said the public option is a trojan horse for single payer).
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danyay
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11-17-09 1:31 PM
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In answer to your question, yes, I did go without health care for a period of about a year. I was healthy and lucky to not encounter large expenses. But if I did, I'd recognize that it was my responsibility - and at the time, I didn't have a family. "I think that most of us DON"T want free healthcare. Costs just need to be down where the average person can afford it." Good. I'm totally with you on that. "Familys can't shell out a thousand dollars or more a month for healthcare" I agree, but we must also look at what is covered by today's health care. If the benefits you receive far exceed the price you pay for insurance, isn't that a non-sustainable option? This was my catastrophic plan idea. When you buy auto insurance, it doesn't cover every tank of gas you put in the vehicle. Why does health insurance have to cover every doctor visit? The answer is MORE choices, not fewer (and don't believe the rhetoric - Obama himself said public option is a trojan ho
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muskie
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11-17-09 10:57 AM
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Danyay,you didn't answer my questions. And if you would actually read my first comment,I think that most of us DON"T want free healthcare. Costs just need to be down where the average person can afford it. Familys can't shell out a thousand dollars or more a month for healthcare on minimum wage jobs,which Warren County is famous for now.
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danyay
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11-17-09 7:12 AM
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Riggle is proof that America is now filled with the "me" generation. Give me, give me, give me. WaaahhhH! I want universal health care! It's unfortunate that these people also cancel out the votes of people who actually understand the ramifications of their braindead decisions, such as bankrupting America and enslaving the populace to the government. But as long as the "me" generation gets their FREE health care!
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Riggle
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11-16-09 11:00 PM
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Amazin' how all the rightwing talking points keep turning up. Look--people who parrot this crap either have Class A health insurance they think they will never lose, or they are independently wealthy and don't give a flip if anyone else has it. We all have friends and family who either can't afford health insurance or can't get coverage. It is stupid to deny it. The insurance companies are interested only in raking in the dough. We need Medicare for everyone to even the playing field. There are millions of Americans who haven't seen a doctor or dentist for decades.
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danyay
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11-16-09 5:49 PM
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As someone who sees the effects of health insurance on small business, I can say with certainty that something needs to be done, because as you say, it's unsustainable. You can either fix the best system in the world, or throw your hands in the air and give up, shouting, "Nationalize!" I've detailed before what I'd do, including: - Tort reform - Sell across state lines - Decouple from employment by eliminating tax incentives - Promote catastrophic plans for healthy 20 somethings that would ordinarily not purchase insurance Ultimately, though, it is personal responsibility. The fact that you KNEW you had to get insurance, and weren't able, is a start - we have to fix the "weren't able" part by making it more affordable, and introducing competition (which made America, as you yourself said, the "richest nation on earth". NOT socialism).
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danyay
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11-16-09 5:36 PM
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So you've had an incident where you were left without health care. What's the solution? Nationalize it! I'm not saying our system's perfect. I am saying your solution is terrible.
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muskie
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11-16-09 5:20 PM
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Danyay,have you been without healthcare in the last 10-15 years when costs have gone through the roof? We have and couldn't afford it.You must be ignorant,or do not own anything you can lose by not having healthcare,or you are rich and don't care what the costs go to in the future.How many nights have you not been able to sleep,worrying about losing your home if you get sick or hurt? LET US KNOW! Are you one of those clowns that are brainwashed by Fox News,Beck,and big mouth Limbaugh? Like I said before,you should actually READ the above article,it's going on all across this country,and it's only going to get worse.Shinealights 4th comment said it all. What's going to happen when only the super rich can afford insurance,10-20 years from now if nothing is done? We wont need Social Security,nobody will live that long without medicine and healthcare! MMMMMM,maybe thats what the gov. wants!
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danyay
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11-16-09 4:46 PM
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Uh, the joke always ends with "Dentist," not "Doctor," but you haven't been known for your sense of humor before, so I'll cut you some slack. And yeah, I'm sure the moderator cut you loose because he disagreed with you, not for your vile tone. I'm not one to call others out for namecalling, because I enjoy jabbing the libtards just the same, so go right ahead if you think it's the best way to win the argument - I know you can't win it based on common sense, because common sense would already tell you that universal health care would bankrupt this country.
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writer10
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11-16-09 3:02 PM
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justobserving, what you are saying would fix so much in this country that people wouldn't know what to do anymore. We would slowly gain our freedoms back and our country would be turned back to the right path and prosper once more.
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justobserving
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11-16-09 1:41 PM
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writer10, you are correct! However to cap lawsuits we still have to eliminate lobbying and corperate buying of politicians or it will never pass. Politicians will not bite the hand that feeds them.
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writer10
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11-16-09 1:31 PM
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Nobody is going to be saving money when taxes will have to go up in order to cover the health care bill. Go ahead and say that they are only going to tax the rich for this bill. Even if that is the case, eventually new people will be in the various offices of our government and they will change who pays. The best way to keep health care cost down would be to control the outlandish law suites that are driving up malpractice insurance. There are doctors and dentist out there who have had to actually close up shop because their malpractice insurance was too high and they didn't have enough patients to sustain their practices. Making it so more people have access to health, with the same number of doctors, may actually cause cost to rise. Supply and demand factors in.
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justobserving
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11-16-09 12:28 PM
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If you want to save money on health care, eliminate all lobbying and corperate political donations. As long as I'm dreaming, put all congressmen on medicare and social security and see how fast everything gets fixed.
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danyay
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11-16-09 11:36 AM
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I've been away for a while, did the WTO delete your old MasterDebater account because of your incessant name calling (see 7:32AM), shinealight? People keep saying "richest country in the world." Go ahead, pass health care. You won't be able to use that line anymore. There was a time when this nation was ruled by people who believed in the individual, not Goldman Sachs and Big Government.
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Carlton
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11-16-09 11:03 AM
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Get used to the idea of rationing. I don't throw that term out as a negative one. The reality is that resources are limited and therefore expenditures must be as well. We don't call it food rationing to go to the grocery and buy only what we can afford. The American health care system simply reflects this nation's mentality that resources are limitless. Physicians will be more than happy to deny unnecessary tests and futile procedures once the system backs them up.
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muskie
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11-16-09 10:46 AM
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In regard to my previous comment,people shouldn't be in these situations in the richest country in the world. Canada has horror stories about their healthcare system(if they are all true). We have millions of horror stories going on in this country. People losing everything they own,banruptcy,and dying,just becauce of high insurance costs, insurance caps,or just getting canceled for getting sick.Sad. And Washington just bickers and fights and gets nothing done.They have great insurance,they don't care.
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muskie
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11-16-09 10:29 AM
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I saw a woman on the news yesterday.She lost her job and health insurance. She is working 4 part time jobs and still can't afford insurance.None of her employers can either. She was on cholesteral,blood pressure and,diabetic medications.Can't afford them either.My wife and I were in this same exact situation 6 yrs. ago. Down the road,if she has a stroke,heart attack,goes blind or loses a limb,because she can't afford her medicine,it will cost society WAY more than if she was offered affordable insurance.How many out there are in this same situation? We were and could be any day now.My wife's employer is on shakey ground. And that's where we get our insurance now.
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muskie
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11-16-09 9:27 AM
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Danyay,we don't want a handout,just affordable healthcare costs. You must have a great income,the rest of us can't pay out more for healthcare insurance than we make a year! You should actually READ the above article! With insurance costs going up,up to 30% a year,do the math. What's it going to cost us 10 years from now if nothing is done? Instead of 50 million without insurance,there'll be 150 million. Good comment,Shinealight.
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danyay
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11-16-09 7:28 AM
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might as well get the ball rolling by telling you that the government should take care of you from cradle to grave. Why have any personal responsibility whatsoever? Why don't we have universal food? universal shelter?
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ErnestPayne
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11-16-09 6:53 AM
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Well I might as well start the ball rolling by telling you that you ought to get a national government run system to take the burden of cost off small business. Now we can await the usual libertarian nonsense about the evils of government.
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